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A Better Mortgage Process:

We have streamlined the lending process by keeping each loan in-house. You save time — and money.

In addition, because we're backed by VanDyk Mortgage Corporation, one of the largest privately held direct lenders in the country, we are able to offer very competitive rates and low closing costs.

A Better Mortgage Process:

We have streamlined the lending process by keeping each loan in-house. You save time -- and money.
In addition, because we're backed by VanDyk Mortgage Corporation, one of the largest privately held direct lenders in the country, we are able to offer very competitive rates and low closing costs.

Mortgage Loan Process

We offer a variety of residential home loans for both Purchase and Refinance transactions:

  • FHA Purchase & Streamline Refinances
  • VA Purchase and IRRL Refinances
  • USDA 100% Rural Development Loans
  • Jumbo loans up to $3,000,000

We offer a variety of residential home loans for both Purchase and Refinance transactions:

  • FHA Purchase & Streamline Refinances
  • VA Purchase and IRRL Refinances
  • USDA 100% Rural Development Loans
  • Jumbo loans up to $3,000,000
Mortgage Loan Programs

Tools and Resources:    

We offer all the goodies you need to help you choose the
right loan. Payment Calculators, Mortgage Glossary, Real
Estate Newsletters, and free downloads to help you make
educated, well informed, decisions.

Tools and Resources:     

We offer all the goodies you need to help you choose the
right loan. Payment Calculators, Mortgage Glossary, Real
Estate Newsletters, and free downloads to help you make
educated, well informed, decisions.

Mortgage Loan Tools

What people are saying…

Reviews on Zillow
LR-QTZSZVB
"Excellent service, very responsible. Great team, always. Very attentive and very diligent. Smooth process. You don't waste time, all documents are electronic and easy process."
5.0/5.0
by Jose Cornier
"We needed a fast loan commitment and could not afford any delays because our seller was very difficult, and if we couldn’t provide a commitment letter on time..."more
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by kathi75
"Working with VanDyke is always pleasant and informative. They keep you on the same page and answer any questions you may have. They are very concerned about your..."more
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by KevinJ Brooks
Kudzu Best Of

Mortgage Advice Column

Should You Buy or Build a House?




As you start to search for your dream home, you may be open to the range of options. One of those choices you may face is deciding on whether to buy or build your own. Each option has its pros and cons. For instance, building a home gives you the opportunity to customize a floor plan, however it will take months to construct. If you buy a home, you will have to compromise on the floor plan, but you might be able to move in quicker.

Before you decide on your dream home, let’s compare the two.

Building a House


What are some advantages of building a home?

·         Discounts on materials
Believe it or not, building a home can come with many benefits and opportunities to save money. When working with the suppliers, some suppliers will offer higher discounts the more you’re willing to buy.

·         Everything is new
All the technology is up to date and you hopefully won’t have to worry about repairs right away. Overall, everything in the house is in good working order.

·         Design control
Everything is what you want from the start.

Disadvantage of building a home:

·         Time
The time it takes to build a house takes an average of seven months. This means you will be staying at your old home for quite some time or at a temporary place until its finished.

·         Limitations
Although you can customize your home details to suit your taste of style, upgrades can be a bit pricey.  

Buying a House


What are some advantages of buying a home?

·         Opportunity to flip a home
If you bought a home that needs some renovation, you have the potential to flip the home.

·         Upgrade costs can be delayed
After purchasing a home, you have the time to upgrade your home, allowing you to better budget for the expenses.

·         Easy to visualize
It’s easier to visualize your pre-existing floor plan.

Disadvantages of buying a house:

·         Upgrade costs:
Having the chance to move in your home is great but even the simplest home improvement, such as a kitchen, can be a major time and money investment. 

·         Higher home insurance:
There’s a possibility your home insurance will be higher compared to a new home.

·         Decorating cost:
Besides paying your closing cost, there are other upfront cost you should be worried about. You might have to invest some time to upgrade your home like wallpapers, changing paint colors, or updating floors.

When it comes to building or buying a home, it really depends on the buyer’s goals. I believe it comes down to personal preference. Once you are ready to house hunt, you will know exactly what you’re looking for. Owning a home is a great thing that can happen. What is the right choice, for you?
 
Additionally, if you want a full team of mortgage professionals, we’re happy to help you make the right decision. Please don’t hesitate to reach out to us for more details: 770-552-1000.


We look forward to hearing from you!  
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